Impact
Measuring what matters
Impact is not a narrative at Daraja Guarantee — it is structured data, tracked at the borrower level, stored immutably, and reported to DFI funders through the same platform that manages the guarantee itself.
Live data pending pilot launch. The impact measurement infrastructure is fully built and operational. Borrower-level data will be published once the Tanzania and Liberia pilot portfolios are active.
Measurement framework
Three live indicators in the platform schema
Each indicator is tied to a specific borrower and loan — not aggregated from surveys or third-party estimates.
Jobs Created
Number of net new employment positions attributable to businesses receiving guaranteed credit. Tracked at baseline and at each measurement date.
Income Change
Change in borrower or business revenue between baseline and current measurement. Captured as a numeric value in local currency.
Business Growth
Qualitative and quantitative indicators of business scale: inventory, employees, customer base — recorded as a composite score.
How impact data flows through the platform
Loan officer records indicator
Baseline values captured at loan origination. Follow-up measurements at scheduled intervals.
Data linked to borrower
Each indicator entry is linked to the specific borrower and loan — traceable to source.
Aggregated by country and period
Platform aggregates by country, reporting period, and funder — respecting RLS data boundaries.
Delivered to DFI as immutable report
Impact reports stored as JSONB snapshots — immutable at generation time. Never editable after issuance.
Targets
Three-year impact targets
Aligned with IRIS+ indicators and the 2X Challenge framework for gender-lens investing.
| Indicator | Year 1 | Year 3 |
|---|---|---|
| SMEs accessing guaranteed credit | 150 | 6,000 |
| Women-owned businesses (% of loan count) | 30% | 55% |
| Rural / agricultural borrowers (%) | 15% | 35% |
| Average interest rate reduction vs. market | 8–10% | 10–12% |
| Jobs supported (SME employees) | 500 | 25,000 |
| Total credit mobilised | $5M | $150M |
SDG alignment
Contribution to Sustainable Development Goals
No Poverty
Expanding credit access to borrowers currently excluded from formal financial markets.
Decent Work & Economic Growth
Supporting SME job creation and income growth through affordable guaranteed credit.
Industry & Innovation
Technology-native guarantee infrastructure enabling financial market development at scale.
Reduced Inequalities
50%+ women-owned business target; agricultural and rural borrower focus.
Want to see the full impact reporting framework?
DFI partners receive access to the funder portal with real-time utilisation dashboards and automated impact reports.
Request a briefing